Royal Bank of Scotland Mortgages

Edited bit- 22.10.01 Well, everything went through very smoothly. Money was in bank in time for my holidays in August. But the one thing I am so pleased about is since taking out the new mortgage, the rate has dropped 3 times and each time its been reflected in the following months payments. My payment is now about £28 less than it was quoted in June. Of course, I don't expect it to last long, no doubt it will start creeping up just as fast. But if I had stayed with the Halifax I would have been paying £240 per month for the next 12 months....what a difference it makes. So anyone humming and ... more

I've been a home-owner now for about eleven years: bought my first house as the market hit rock bottom and and am still there. Naive as I was then about financial matters, I took advice from a professional and ended up with an endowment mortgage. I expect you can guess what happened next. Actually it wasn't that bad: I still had fifteen years to run on my mortgage and am young enough to get another 25-year mortgage. So that's what I decided to do. I have banked with Royal Bank of Scotland ever since they took over Williams & Glynn's Bank nearly 20 years ago and while I've had other bank ... more

My partner and I are just taking our first step in the property game, purchasing a 2 bedroom flat in outer London. We decided to seek the assistance of an Independent Financial Advisor to help us organise our mortgage etc, as we had no idea ourselves what was involved. This was a good choice, for more than just that reason. I have only been in England for 2 years, and though I have a good income and no debts or bad credit incidences, financial institutions are still woe to trust me. We also wanted a 100% mortgage, so we could use our saved money to purchase everything you need (god there is a ... more

My circumstances were not quite average, so I found that my best option for a mortgage was Bank of Scotland. I wanted to borrow a highish income multiple but, given that I had a good deposit, they were able accept my application. The mortgage I chose (Personal Choice) is flexible, though not nearly as versatile as the newer current account mortgages. Still, I can over or underpay, make partial repayments or write cheques to borrow more money. I did the whole application by telephone and post, using the Mortgages Direct facility, and it all went very smoothly. Customer services is perfectly ... more

Frankly I wasn't too pleased with the fact that my former employer dumped us out of the existing company mortgage scheme into the Skipton (who?) BS when we were outsourced to a large service company. It had been at he back of my mind for some time just to switch to a mortgage provider of my choice as opposed to theirs, who had a Scottish presence and who were competitive as regards rates and type of service. We decided to switch to the RBoS flexible mortgage, which after a quote from their call centre turned out to be a few quid cheaper than Skipton but nonetheless had better facilities. (to ... more